Featured Essay
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Hey bank, I don’t care about your technology.
9 minutesYou launched that industry first AI powered decisioning suite. Your entire competition announced exactly the same. Meanwhile your IVR is still a fossil from 1998. Your account opening still can’t resolve a simple deviation. There is something wrong in the way Banks talk about technology. This essay explores what’s wrong…
More Essays
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De-Dollarisation and its Impact on Indian Economy
5 minutesDe-dollarization refers to the gradual shift away from the dominance of the U.S. dollar in international trade and finance. Many countries, including India, have been…
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Crypto Revolution: Transforming India’s Financing Landscape for SMEs and Startups
2 minutesDespite India ranking third globally in unicorn valuations, the startup ecosystem faces challenges in securing sufficient funding for growth. Traditional avenues often fall short, necessitating…
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Bankers, Startups and the problem with Profit
4 minutesBy definition startup is a disruptor. Unless the startup idea is demonstrated to be scalable, there is no fun and sustenance. So, while banks look…
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Super-Apps and Fintech
3 minutesFor an App to be a Super App, one needs a sizable community of users who frequently visit and use the app. This can then…
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Reinventing BNPL
4 minutesAs BNPL business grows, it is also facing some challenges. It is important for players to make it as frictionless and wedded to the customer’s…
Banker's Brief
Weekly explainer of things that matter.
End of Free UPI. What Will It Change?
On 14 September, the Finance Ministry notified a framework allowing charges on UPI merchant payments. From 15 October, eligible person-to-merchant (P2M) payments above…
Read issue 002 →Banker's Guides
In depth reference guides.
India’s DPI Stack: A Banker’s Guide
India’s DPI story is often told through scale. This guide looks at it through structure. It maps the digital rails, protocols, access layers, and public data systems…
Download the guide →Podcast
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About FrankBanker
Financial institutions follow perfect logic to absurd destinations. In these pages we explore how they land up there. We are practitioners who have spent decades as bankers, advisors and builders, learning our lessons on what goes wrong, the hard way. These pages aim to help evaluate the why, why not, and occasionally, how of banking and related technology. Our research team builds practical, information-rich Banker’s Guides worth keeping.